We help businesses find workers' compensation insurance the way they want it. Take a look at our cash friendly programs including Pay As You Go workers comp coverage and our best selling programs by industry type. We're confident we can help you find lower rates and purchase more affordable coverage for your business.

A lot of business owners are misinformed regarding workers' comp insurance. Businesses know they need it, but they often don't understand how it works or how to buy it at the lowest rates possible. Learn more about workers' compensation insurance or contact one of our Specialists to get help with your questions about workers compensation insurance.

We provide our customer with the highest level of customer service and support. To get help with your insurance policy please choose one of the links to the right or contact us to get help with specific questions about your workers compensation policy or coverage.

We Help Agents and Payroll Bureaus Sell More Workers Compensation Insurance.

Because we are a national insurance agency specializing in workers compensation coverage, we have access to a ton of markets. If you are an agent or payroll provider we can help you write Pay As You Go insurance and more.

Workers Compensation Markets

Wholesale Workers Compensation

Looking for new or better workers compensation markets? Ever have trouble placing a risk due to the exposure or experience modification factor? We help agents and payroll service providers place more workers' compensation policies with our National Partner Programs.

We provide fast and knowledgeable workers' compensation brokerage services designed to help you and your customers find the most affordable workers compensation quotes in the least amount of time. Get access to cutting edge Pay As You Go programs and easy flexible payment options from more than 35 insurance companies.

National Agency

Become A Workers Compensation Shop.com Partner Today
we make it easy buy workers compensation

Workers Compensation Shop.com was founded in 2005 as a national online insurance agency. We specialize in the unique issues associated with workers' compensation insurance and the need businesses have for more affordable workmans comp coverage throughout the country.

The Workers Compensation Market Problem

Workers comp coverage might be the most important insurance product for small business owners because it protects you against claims that could potentially devastate your business. Unfortunately, many agents do not have real expertise in workers' compensation rules and regulations. They also don't have access to enough insurance companies to satisfy the needs of all types of industries.

Workers' Compensation Systems are Established by Legal Statutes in Each State.

Our workers comp resources help employers find state funds, state insurance divisions, and state insurance laws. We make it easier to navigate work comp insurance.

Got workers comp questions? Give us a call at 888-611-7467 if you need more information about work comp for your business.

State by State Resources for Workers Comp

Why are the Rules Different in Each State?

There are three different types of laws in the U.S. including federal laws, state laws and local laws. Federal laws apply to everyone in the United States, while state and local laws apply to people who live and work in a particular state, county, city or town.

The United States has a long history of maintaining a separation of federal and state legal systems as long as state laws do not restrict the federal rights of U.S. citizens. Each state has its own legal system of laws and courts that determine matters such as:

Real estate and personal property

Divorce and Family Matters

Business agreement and contracts

Welfare and public assistance

Workers compensation insurance

Our workers compensation resources page is designed to give business owners quick information about each states' workers comp systems as well as provide additional state resources for employers. This page provides links to information on our website as well as links to workers compensation authorities in each of the 50 states.

Federal Employees and Workers Compensation

Employees who work for the federal government do not participate in state workers compensation programs. The Federal Employees' Compensation Act provides workers' compensation coverage to federal employment-related injuries and occupational diseases. The Division of Federal Employees' Compensation (DFEC) is responsible for administering the Act

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Know Your State Workers'Compensation Rules?

The Difference Between Assigned Risk and State Fund Coverage

Since workers compensation is generally required by state law, each state must create a mechanism for employers to buy workers compensation insurance even when a private insurance carrier, or voluntary market, is unwilling to quote coverage. Assigned Risk coverage is designed to provide coverage access to employers when they can't find voluntary coverage due to the nature or work, their experience modifier, or the loss history.

Assigned Risk workers compensation is also known as the residual market, or the State Pool.

A workers' compensation State Fund may be established by a state to offer coverage in either, or both, the voluntary market or the residual market. State funds also manage access to all coverage in monopolistic states that do not allow private insurance companies to sell workers comp in the state. Therefore some state funds can be competitive insurance carriers as well as the market of last resort.

What is NCCI?

NCCI is the National Council on Compensation Insurance. They are no a regulatory agency; NCCI is an independent non-profit organization created by the insurance industry to standardize and manage the specific details of workers comp insurance such as classification codes, experience modifiers, and premium computations.

NCCI helps develops workers compensation manuals and rules used by states who choose not to operate their own independent rating bureaus. When a state is referred to as an NCCI state, it means that the state uses NCCI manuals, class codes, and experience modification ratings developed by NCCI.

Understanding workers comp insurance can be a challenge because rules and regulations vary so much between state. Most insurance carriers and agents are not much help either as they don't always share their knowledge with business owners and employers. At Workers Compensation Shop.com, we take the time to make sure our customers learn the basics of work comp coverage.

Give one of our national workers comp Specialists a call today to find out just how easy it is to find better and more affordable coverage in your state, or out of state. Call now at 888-611-7467, or start your quote online.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.